In case you own a Europe-based online marketplace app and thinking about
the ways to integrate European online payment systems in the process of
your marketplace development, you might find this article useful.

Let’s get started with the most popular online payment methods by country
and regions.

Klarna

We can surely call Klarna group the colossus on the European online payment
systems arena. Klarna group was founded in 2005 in Sweden and now is one of
the most trusted Europe’s finance-related companies.

Are you up to integrate your website or online marketplace app with Klarna?
You should definitely check out Klarna Developers website,
where they describe the ways to connect your product to their payment
solutions.

First of all, you should choose what type of Klarna’s functionality you’re
up to integrate into your website or online marketplace app. Are you
going to accept Klarna payments? Or make checkouts on your website?

The major part of this European online payment system implementation is
made using
Klarna SDK
. If you’re up to perform mobile payment gateway integration with any
mobile OS (Android, iOS), here’s also a
mobile SDK
.

The process of checkout integrations contains lots of nuances and levels
with sublevels:

Please, refer to Klarna API resource
for more information on this payment system integration. If we take a
closer look at online payment systems comparison by tech implementation,
Klarna should be one of most smoothly-integrated systems.

Trustly

Another Swedish payment system that is preferred over the European continent.
As of 2016, Trustly could boast by the number of users; the service has
collected ~ 67 m users through the integration with +100 European banks.
It is active in 29 European countries. As it’s stated on Trustly’s
website, the number of transactions processed on a monthly basis in 2016,
reached 2 million.

There are 6 key stages to integrate your online marketplace app or website
with Trustly:

Skrill

This is another Europe-recognized payment system of British origin. In 2013
Skrill acquired Paysafecard, and a year later, Skrill merged with Ukash.
Now, this alliance is one of the most powerful online payment systems in
the UK and abroad. Skrill counts +36 m users and operates in 200
countries.

Skrill's & PaySafecard's preference geography:

Do you want Skrill online payment system to serve your customers? Here are
things you should know about

In general, you can integrate four major Skrill features, They are:

Quick checkout. A secured payment page, where your customers
receive access to various payment methods, based on their location.
After that, they can choose Skrill as a transaction method and
perform a payment. Please, check
Skrill’s PDF on how to integrate Quick checkout
to your marketplace platform as a payment solution.

Wallet checkout. When purchasing in your store backed with Skrill,
a customer that owns Skrill wallet, can simply sign in to their
account via a personal email and quickly perform payments. This is
a payment gateway which collects customer’s info and is based on
the standard HTML forms. Refer to Skrill’s specially
created PDF on Wallet checkout integration
, in case you’d like to tie this payment solution to your online
marketplace.

Mass payment. A feature that enables you to make payments in multiple
currencies to a maximum of 3000 recipients in a single procedure.
Skrill account. Such type of payments can be made using the
Customer account administration portal screen (My Account) or via
the Automated Payments Interface (API).

Apart from this, it is possible to integrate Skrill with the following
shopping carts:

You can find separate guides on how to add Skrill to any shopping
card mentioned above on their
integration page
.

Ideal

If to consider the most popular online payment methods by country, it’s a
payment system available only in the Netherlands but with ~ 1 billion of
online payments made already. Here are some other iDeal stats:

But before the implementation, ensure that you’ve read ‘Rules for using an
iDEAL payment request.’

iDeal also offers mobile payment gateway integration. Take a look at their demo .

Mollie. Payment
service provider for the European online payment systems

This is the Netherlands-based payment solution. In fact, it’s a payment
service provider, that works with various online and offline payment
systems, like PayPal, iDeal (in the Netherlands only), Mastercard, Bitcoin,
Visa, Sofort, and others. Right now, Mollie is active in 5 countries:
Benelux countries (the Netherlands, Belgium, Luxembourg) and Germany along
with France.

At Apiko we’ve dealt with Mollie integration with one event management
marketplace app
to accept iDeal payments. This app allows you to invite guests to your home for having a meal together or you can be as a
guest and look for and then drop by the event someone else’s planning.

In general, Mollie offers two solutions:

Payment methods/systems integration.

After you’ve integrated Mollie within your online marketplace app or
website, you automatically allow your customers to pay with the
world-recognized and European payment systems, we’ve mentioned earlier.
Don’t forget to check Mollie’s page on payments integration to get the full list of supported
transaction platforms. We’ve connected food marketplace app to Mollie via
API. That’s actually a single way to go for this process.

Their integration guide
covers the implementation of the following Mollie’s functionality in your
online amrketplace app:

Pay closer attention to Mollie API working scheme:

Recurring payments collection

Works with various subscription plans and allows you to charge your
customers on a regular basis (depending on your pricing plan terms and
conditions).

What we couldn’t omit is the way Mollie has organized their
API references. Truly, it’s a developer’s happiness.

Each API contains the info you need to integrate this or that Mollie’s
functionality.

Our personal recommendation - rely to the official guidelines only during
the web and mobile payment gateway integration, if there’re such (but
usually serious businesses have these, so it shouldn’t be a problem). In
case you have trouble which requires more thorough attention, contact the
team of this or that payment service and clarify your questions.

Summary

As you can see, there are various reliable payment-acceptance solutions for
online marketplace apps. Each of them is unique in their own way. As much
as the integration methods are. For developers - read thoroughly service’s
documentation and act according to each detail described in the
instructions, and in result, you'll receive smooth integration. For online marketplace owners - choose a payment solution you
trust the most and which is effortless to implement. If you’re looking for European online payment systems
comparison, list of the most popular online payment methods by country and the
ways to perform web and mobile payment gateway integration, we hope that
this article has helped you.